We evaluate car insurance coverage on a variety of factors, looking at things like average cost, financial strength, JD Power results of satisfaction of requirements and additional benefits. Below, we explain in detail why each of these providers is among our top picks Drivers in Floridaalong with the pros and cons.
#1 Geico: Best for basic coverage
Geico offers the most affordable car insurance in Florida, and it offers a lot car insurance rates for Florida students and teenage drivers also. The company offers a long list of money-saving features such as good student discounts and usage-based insurance. If you are one good driver with one clean driving recordyou can find great prices with Geico.
Geico is a full-service insurer with an A++ AM Best Financial Strength rating. The company also has a good industry reputation and many positive customer reviews.
That said, Geico performed below average in JD Power Auto Claims Satisfaction AND Buying insurance studies, showing that customers have problems with the quote and request processes.
#2 State Farm: Best overall provider
State Farm is the biggest auto insurance in the United States, covering more drivers than any other company, according to 2022 data from the National Association of Insurance Commissioners (NAIC). We’ve also named it the best overall provider in our country nationwide industry review. One thing that makes this provider stand out is its mobile app-based package insurance products that can make life easier and offer discounts:
- State Farm APPLICATION: This app allows you to file claims, pay for your policies, manage your bank accounts and more.
- Stay clear®: This is an educational application available for drivers under the age of 25. Drivers complete in-app courses, log PROGRESS with a mentor, complete driving hours and get a certificate. Certification offers reduced fees for new drivers.
- Drive Safe & Save™: This is State Farmusage-based insurance application. The mobile app tracks things like cornering, hard braking, acceleration and phone use while driving. If you score high enough, you can get up to 30 percent off yours premium.
most of State Farm apps have excellent user ratings on Google Play and the Apple App Store.
#3 USAA: Best for military members
If you’re really looking for the best coverage as a military member, you can’t go wrong USAA. USAA is usually the cheapest major in most states (although our data does not include USAA in Florida). Plus, USAA doesn’t add a fee to split your policy into monthly payments.
Overall, we appreciate USAA 4.5 out of 5.0. After digging into the insurer, we found many positive qualities. It has excellent financials, judging by its A++ AM Best rating, and has written over $16.4 billion in PREMIUMS in 2022, according to KAIC.
The company also offers strong customer service. USAA I 900 out of 1000 points IN JD Power‘S 2023 Auto Claims Satisfaction Study℠placing it as one of the top five companies in the survey. USAA also scored 858 out of 1000 IN JD PowerUSA 2023 Vehicle Insurance Study℠ for Florida. This was the highest score among the providers surveyed.
USAA coverage is available for:
- Members of the US military who are active, retired, honorably separated, or enlisted
- Candidates in commissioning programs (ROTC, Academy, OCS/OTS)
- Spouses and children of USAA members who have or have had an auto or property policy
If you meet any of these qualifications, USAA it can be a smart choice. We think between price and customer service USAA it is one of the best cars insurance providers in Florida.
To learn more about the car insurance providercheck out our kit review of USAA SECURING.
#4 Progressive: Best for usage based insurance
After all, not everyone can get one USAA politics. That’s why we think you should check it out too Progressive for Florida car insurance.
As another full service company, Progressive there’s a lot to it. The insurer has an AM Best financial strength rating of A+ and has brought new innovations to the auto insurance market since its inception in 1937. For example, Progressive was the first car insurance company to sell policies online.
When it comes to customer service, Progressive came out slightly below average in both studies from JD Power mentioned above. While there may be other companies with better customer service, Progressive offers great purchase options and a highly rated usage-based insurance program called Snapshot that gives them discounts good drivers.
For a complete comparison between Progressive AND Geicoread our review of Geico vs. Progressive.
#5 Allstate: Excellent local service
Allstate works through a local network insurance agents to provide coverage to its customers. This means that the quality of customer service may vary from country to country. AllstateHowever, Florida’s network is particularly strong. The company received second highest score in the year 2023 JD Power US Vehicle Insurance Florida State Study℠.
In addition to offering discounts for Union policies and students and first-time car owners, Allstate has a usage-based discount program called Drivewise®. Customers receive a discount on their policy just for signing up. After a trial period, they get discounts for safe drivingwith assessments and rebates every six months to a year thereafter.